Pommier Posted December 15, 2009 Share Posted December 15, 2009 We've just received insurance renewal letters from Groupama and my husbands top-up policy has gone up to just under 500 euros a year. This is despite him having 100% cover on his main health problem. He is 56 by the way.I asked Groupama recently if they do a hospital only policy, but they said they don't.I'm sure someone on this forum posted a while ago that they had hospital only cover which I seem to recall was about 25 euros a month for a couple.Have I imagined it or can anyone suggest where I might get such cover? Link to comment Share on other sites More sharing options...
Clair Posted December 15, 2009 Share Posted December 15, 2009 "Hospital cover" is discussed in thefollowing threads, in relation to health insurance rather than top-up (mutuelle): http://www.completefrance.com/cs/forums/4/1843136/ShowPost.aspxhttp://www.completefrance.com/cs/forums/1409158/ShowPost.aspxhttp://www.completefrance.com/cs/forums/7/1438254/ShowPost.aspxhttp://www.completefrance.com/cs/forums/3/1142652/ShowPost.aspxhttp://www.completefrance.com/cs/forums/6/1017162/ShowPost.aspxhttp://www.completefrance.com/cs/forums/1/1074441/ShowPost.aspxResults for a search for "mutuelle hospitalisation seule" on Google France here. Link to comment Share on other sites More sharing options...
suein56 Posted December 15, 2009 Share Posted December 15, 2009 [quote user="Pommier"]I'm sure someone on this forum posted a while ago that they had hospital only cover which I seem to recall was about 25 euros a month for a couple.[/quote]Cannot do quite that cheap but I had 'Hospitalisation' cover with AGF - now called Allianz - for a couple of years at 19€ and a few cents a month. OH was with Groupama 100% cover as he has regular monthly meds. AGF for me covered all blood tests, X-rays, normal stays in Hospital, but not the over-and-above-CPAM-cost of Doctor appointments or home visits nor medicines. Have now changed - this November - in favour of normal 100% top-up cover with Groupama as I need some new specs !We are both 59 so OH and I do not have an E121 - or any other E form either. We pay - according to our income - into CPAM via URSSAF. Link to comment Share on other sites More sharing options...
Pommier Posted December 15, 2009 Author Share Posted December 15, 2009 Thanks for the information. We're also paying URSSAF 8% for our coverfrom CPAM, so it's just a top up we're after. I thought the renewalfrom Groupama was a bit steep as most things are covered by CPAM ashusband has ALD.I tried an on line quote from Allianz, but it wouldn't give me one(probably get lots of emails/calls as I also tried Assurland!) Link to comment Share on other sites More sharing options...
suein56 Posted December 15, 2009 Share Posted December 15, 2009 [quote user="Pommier"]I thought the renewalfrom Groupama was a bit steep as most things are covered by CPAM ashusband has ALD.[/quote]Have you tried Sunday Driver's idea of asking for a discount as your OH has 100% ALD cover. It seemed to work for him as I believe he got 15% discount. See http://www.completefrance.com/cs/forums/1911922/ShowPost.aspx[quote user="Pommier"]I tried an on line quote from Allianz, but it wouldn't give me one(probably get lots of emails/calls as I also tried Assurland!)[/quote] You really need to talk, in person, to a sympathetic AGF agent about this option as it is not AGF/Allianz 'policy' to push the cheaper option; although it is available, if you politely persist. Link to comment Share on other sites More sharing options...
Patf Posted December 15, 2009 Share Posted December 15, 2009 Try MAAF. Link to comment Share on other sites More sharing options...
NormanH Posted December 15, 2009 Share Posted December 15, 2009 The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.My premiums went up 12% in the year my first ALD was accepted.Of course there are the paperwork people, and those of us who live here and write from first-hand experience.. Link to comment Share on other sites More sharing options...
suein56 Posted December 15, 2009 Share Posted December 15, 2009 [quote user="NormanH"]The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.[/quote]Why? If to cover you costs them up to 30% less, why shouldn't they give you a discount? Link to comment Share on other sites More sharing options...
Sunday Driver Posted December 16, 2009 Share Posted December 16, 2009 [quote user="NormanH"]The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.My premiums went up 12% in the year my first ALD was accepted.Of course there are the paperwork people, and those of us who live here and write from first-hand experience..[/quote]When I first took out my mutuelle with Groupama, I negotiated a 15% discount on the basis of my ALD. I live here and write from first hand experience.How's that for a laugh......[8-)] Link to comment Share on other sites More sharing options...
Pommier Posted December 16, 2009 Author Share Posted December 16, 2009 I've tried MMA on line, but even going for their cheapest option on everything, it still came out more expensive than we pay now!Are hospital only policies only available if you go into the agency, not on line? Link to comment Share on other sites More sharing options...
mint Posted December 16, 2009 Share Posted December 16, 2009 Try April but then, we haven't yet had our renewal notice so don't really know if there is going to be a hike in premiums or not.Last year, I recommended April to someone on the Forum and they went with them because they did find them competitive.As I say, that was last year, as for this year, I won't know till my renewal notice. Link to comment Share on other sites More sharing options...
Mimi Posted December 20, 2009 Share Posted December 20, 2009 Try www.myriade.fr I have their Alpha Premia garantie and I pay only 16 euros a month. (Includes hospitalisation, consultations, analyses, pharmacie and dental) Link to comment Share on other sites More sharing options...
NormanH Posted December 20, 2009 Share Posted December 20, 2009 [quote user="Sunday Driver"][quote user="NormanH"]The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.My premiums went up 12% in the year my first ALD was accepted.Of course there are the paperwork people, and those of us who live here and write from first-hand experience..[/quote]When I first took out my mutuelle with Groupama, I negotiated a 15% discount on the basis of my ALD. I live here and write from first hand experience.How's that for a laugh......[8-)] [/quote]Your experience is very short.I estimate 4-7 years.Mine is more than double, and my premiums continue to go up with 3 time as many ALD as you have.It really is very irresponsible to give advice on your limited experience. Link to comment Share on other sites More sharing options...
Pommier Posted December 21, 2009 Author Share Posted December 21, 2009 Many thanks for your suggestion Mimi - they come out much cheaper than the others.Can I just confirm that to cancel I send a recorded delivery letter to Groupama? Their renewal quote was dated 7th December.Thanks everyone for all the suggestions. Link to comment Share on other sites More sharing options...
Sunday Driver Posted December 21, 2009 Share Posted December 21, 2009 [quote user="NormanH"][quote user="Sunday Driver"] [quote user="NormanH"]The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.My premiums went up 12% in the year my first ALD was accepted.Of course there are the paperwork people, and those of us who live here and write from first-hand experience..[/quote]When I first took out my mutuelle with Groupama, I negotiated a 15% discount on the basis of my ALD. I live here and write from first hand experience.How's that for a laugh......[8-)][/quote]Your experience is very short.I estimate 4-7 years.Mine is more than double, and my premiums continue to go up with 3 time as many ALD as you have.It really is very irresponsible to give advice on your limited experience.[/quote]About as irresponsible as stating that obtaining a discount is laughable when you appear to have made no attempt to do so..........[8-)] Link to comment Share on other sites More sharing options...
ventodue Posted December 23, 2009 Share Posted December 23, 2009 [quote user="NormanH"]The idea that a Mutuelle would give a discount for the fact that one has an ALD is laughable.My premiums went up 12% in the year my first ALD was accepted.Of course there are the paperwork people, and those of us who live here and write from first-hand experience..[/quote]Why so rude, NormaH?A+Craig Link to comment Share on other sites More sharing options...
minnie Posted December 23, 2009 Share Posted December 23, 2009 I reckon Norman does all this for effect only....Best thing is to ignore his remark! Joyeux Noel, Norman - Peace and Goodwill to all men (and women). Merry Christmas everybody. Link to comment Share on other sites More sharing options...
hakunamatata Posted December 27, 2009 Share Posted December 27, 2009 Sorry to be the harbinger of bad news Sue but you will get almost nothing towards new specs!!!!!!!!!!!!!!!!!!!!!!!!!!!! Link to comment Share on other sites More sharing options...
Weegie Posted December 27, 2009 Share Posted December 27, 2009 [quote user="NormanH"]It really is very irresponsible to give advice on your limited experience.[/quote]Don't see what you can possibly see wrong with the advice. "If you don't ask,you don't get".Seasons Greetings.[:)] Link to comment Share on other sites More sharing options...
Mr Wiggy Posted January 24, 2010 Share Posted January 24, 2010 I have a minimal top up insurance with the Credit Mutuel at monthly cost of 50€, for this the bank pays an average of just 2.5€-4.5€ per month, an annual average of 65€. This gives the bank a nice big profit, I have tried to cancel the contract but as our good friend S-D has pointed out to me, I signed the contract in house (the bank) so cannot break the contract until August.Now I may have been handed a get out of jail card, as I have not received my new, one of the two 6 monthly attestations for the first part of this year and have had to pay for my own medication, albeit 2.5€. I am wondering if I could use this as a breach of contract. I must point out that I do get 100% from CPAM. Link to comment Share on other sites More sharing options...
Sunday Driver Posted January 24, 2010 Share Posted January 24, 2010 Your good friend S-D has also pointed out to you that whilst you signed the contract agreeing to its terms, the bank were aware at the time of your 100% CPAM cover and that you would derive little benefit from purchasing their top-up policy. However, they failed to point this out and went ahead and signed you up. When we last spoke, you were going to make an appointment with your branch to request cancellation of the contract on the basis that you were misinformed. Link to comment Share on other sites More sharing options...
Benjamin Posted January 24, 2010 Share Posted January 24, 2010 [quote user="Mr Wiggy"]I must point out that I do get 100% from CPAM.[/quote]How come? Link to comment Share on other sites More sharing options...
Mr Wiggy Posted January 24, 2010 Share Posted January 24, 2010 Hi Benjamin.The dreaded smokers disease, no! not cancer, the other one!! Link to comment Share on other sites More sharing options...
Mr Wiggy Posted January 24, 2010 Share Posted January 24, 2010 Hi S-D.I do have an appointment for next thursday morning! Link to comment Share on other sites More sharing options...
Sunday Driver Posted January 24, 2010 Share Posted January 24, 2010 Whilst Wiggy may appear to be a walking medical phenomenon, I'm assured his hair is 100% real......[;-)] Link to comment Share on other sites More sharing options...
Recommended Posts
Please sign in to comment
You will be able to leave a comment after signing in
Sign In Now